Gate City Bank is a mutual community bank founded in 1923, operating as a customer-owned institution across North Dakota and Minnesota with approximately 770 team members and $3.98 billion in total assets. As the top mortgage lender in North Dakota, the bank offers retail and business banking services, including checking and savings accounts, auto loans, mortgages, insurance, and investment services.
The bank's structure as a mutual institution means it is owned by its customers rather than shareholders, with earnings reinvested into the communities it serves. This ownership model has shaped its approach to banking across its two-state footprint, where it positions itself as a community-focused alternative to larger financial institutions.
Gate City Bank's service offerings span consumer and commercial banking. Its mortgage business represents a significant market position in the region, while complementary services in auto financing, business banking, and wealth management address broader customer financial needs. The bank also provides insurance products alongside its core banking operations.
